Quick Surf City NC MLS Search

Topsail Cove Homes for Sale in Surf City, NC

View Topsail Cove Homes for Sale ↓

Topsail Cove is a highly desirable waterfront community located in the heart of Surf City on Topsail Island, North Carolina. Known for its stunning Intracoastal Waterway views, luxury coastal homes, soundfront properties, investment potential, and easy beach access, Topsail Cove offers buyers a premier island lifestyle with exceptional boating, beach, and sunset experiences.

Thinking of selling? What's my Topsail Cove home worth?

Buyers are attracted to Topsail Cove for its blend of luxury homes, waterfront townhomes, private docks, rooftop decks, elevator-equipped residences, and close proximity to Surf City beaches, restaurants, shops, and the Surf City Pier. Whether searching for a second home, luxury vacation rental, or primary waterfront residence, Topsail Cove offers one of the most attractive coastal living opportunities on Topsail Island.

Homes in Topsail Cove

  • Luxury single-family homes and waterfront townhomes
  • Located in Surf City on Topsail Island
  • Primarily 3-bedroom to 6-bedroom floor plans
  • Approximate heated square footage ranging from about 1,700 to over 3,700 square feet
  • Ocean, Intracoastal Waterway, and sound views throughout the community
  • Many homes feature rooftop decks, elevators, and private outdoor spaces
  • Strong vacation rental and investment opportunities

Popular Features Found in Topsail Cove Homes

  • Open-concept coastal floor plans
  • Expansive waterfront decks and balconies
  • Rooftop terraces with panoramic sunset and ocean views
  • Private elevators in select luxury homes
  • Chef’s kitchens with granite and marble countertops
  • Custom cabinetry and designer finishes
  • Luxury owner suites with spa-style bathrooms
  • Outdoor showers and fenced entertaining areas
  • Golf-cart parking and EV charging stations in select homes
  • Fully furnished turnkey opportunities available
  • Private docks, kayak launches, and boating access nearby

The Topsail Cove Lifestyle

Topsail Cove offers a relaxed waterfront island lifestyle centered around boating, beach living, sunsets, and coastal recreation. Residents enjoy convenient access to Surf City beaches, kayaking, paddleboarding, fishing, dining, shopping, and local entertainment throughout Topsail Island.

The neighborhood is especially attractive for buyers seeking luxury vacation homes or high-performing investment properties with strong rental demand. Many homes offer panoramic soundfront and ocean views, rooftop entertaining spaces, private docks, and walkable beach access.

  • Waterfront and soundfront living opportunities
  • Intracoastal Waterway and ocean views
  • Private docks and kayak access in select properties
  • Golf-cart-friendly island lifestyle
  • Minutes from Surf City beaches and public access points
  • Strong short-term rental investment appeal
  • Walkable access to restaurants, shops, and entertainment
  • Relaxed Topsail Island coastal atmosphere

Prime Surf City Location

Topsail Cove is ideally located in Surf City, North Carolina, placing residents close to some of Topsail Island’s best beaches, waterfront dining destinations, boutiques, marinas, and outdoor recreation opportunities.

  • Located in Surf City on Topsail Island
  • Near Surf City beaches and beach access points
  • Close to Surf City Pier and waterfront dining
  • Convenient access to boating and fishing
  • Minutes from local shops and restaurants
  • Easy drive to Wilmington and Jacksonville
  • One of North Carolina’s most popular beach destinations

Topsail Cove Real Estate Market

Recent activity in Topsail Cove highlights strong buyer demand for luxury waterfront homes, soundfront townhomes, and high-income-producing vacation rentals. Recent pricing in the community has commonly ranged from approximately the mid-$700,000s to over $2 million depending on location, waterfront positioning, views, amenities, and rental performance.

  • Luxury waterfront and soundfront ownership opportunities
  • Strong demand for vacation rental properties
  • Premium pricing for rooftop decks and water views
  • High-end custom coastal construction throughout the area
  • Popular for second-home and investment buyers

Why Buyers Love Topsail Cove

  • Waterfront and soundfront coastal lifestyle
  • Panoramic Intracoastal and ocean views
  • Luxury homes and turnkey investment properties
  • Walkable Surf City location
  • Private docks and boating access
  • Rooftop decks and outdoor entertaining spaces
  • Strong vacation rental income potential
  • Close to beaches, restaurants, and shopping

Frequently Asked Questions About Topsail Cove

Where is Topsail Cove located?

Topsail Cove is located in Surf City, North Carolina on Topsail Island near beaches, waterfront dining, shopping, and local attractions.

What types of properties are available in Topsail Cove?

The community features luxury single-family homes, soundfront residences, waterfront townhomes, and investment properties.

Are there waterfront homes in Topsail Cove?

Yes. Many homes in Topsail Cove offer Intracoastal Waterway, soundfront, and ocean-view locations with private docks and water access opportunities.

Do homes in Topsail Cove have rooftop decks?

Many luxury homes in the community feature rooftop decks with panoramic ocean, sunset, and Intracoastal Waterway views.

Is Topsail Cove good for vacation rentals?

Yes. Topsail Cove is highly attractive for vacation rental investments due to its waterfront setting, beach access, luxury amenities, and strong rental demand.

How close is Topsail Cove to the beach?

Many properties are located within walking distance or just a few blocks from public beach access points in Surf City.

What price range is common in Topsail Cove?

Recent home pricing has commonly ranged from approximately the mid-$700,000s to over $2 million depending on size, location, views, and luxury features.

Why do buyers choose Topsail Cove?

Buyers are attracted to Topsail Cove for its luxury waterfront lifestyle, investment potential, boating access, rooftop views, and convenient Surf City location.

More Surf City communities: Topsail Island Yacht Club | Tropical Winds | Turtle Cove Townhome | Waterside | White Hills Beach

Have questions about Topsail Cove homes? Contact us today.

Browse All Topsail Cove Properties for Sale

106 Charlotte Ave, Surf City
$2,099,000
6 Beds ⋅ 6 Baths ⋅ 100554934 MLS
Welcome to some of the best views in Surf City! 106 Charlotte Avenue has so much to love about it. It is less than a minute walk to the beach, it is less than half a mile to the shops and restaurants in Surf City, and it has some absolutely incredible Ocean and Intracoastal views from the massive rooftop deck. This updated home has over 3,700 square feet of indoor living space with 6 bedrooms and 6 bathrooms, plenty of room for friends and family to enjoy the beach life. With recent AirDNA rental projections of $230,000, this property also makes a fantastic second home or investment. The in-ground pool and hot tub in the backyard make it feel like you are on vacation. The outdoor shower lets you keep all the sand and salt outside where it should be. The sunsets and sunrises from the rooftop deck are second to none, there is a lot to love about 106 Charlotte Avenue!

106 Charlotte Ave, Surf City
607 S Topsail Dr Unit B, Surf City
$1,650,000
6 Beds ⋅ 5 Baths ⋅ 100476407 MLS
Picture this SOUNDFRONT oasis, with a bulkhead in place and a CAMA permit in hand for your pier. This new construction home has 6 bedrooms, 5 bathrooms, & an elevator. No detail was spared in its construction! Interior selections were custom chosen by Kinton Interiors and are exquisite. Ideally situated across from public beach access at Charlotte Ave, this meticulously crafted home showcases exceptional selections throughout. Handcrafted Chippendale railings by Amish artisans and hand-dipped cedar shake siding evoke timeless charm, complemented by the durability of grey Trex decking and a chic Hunter Green door at the entrance. Inside, the elegance continues with white-washed white oak hardwood floors (unheard of luxury at the beach) and a foyer adorned with vertical tongue and groove paneling. The spacious interior features 8-foot doors, glass marble walls, and luxurious 18'' by 3' marble tile floors. The gourmet kitchen is a chef's dream, featuring white shaker cabinets reaching to the ceiling, Carrera marble countertops, and gold faucets and hardware. A grand 7 by 4-foot kitchen island is illuminated by a distinctive wicker style light, and a custom hood coupled with a designer appliance package. Designed for comfort and resilience, the home includes impact-resistant windows throughout, ensuring peace of mind in any weather. The living room boasts horizontal shiplap detailing, adding character to the expansive space. Enjoy practical amenities as well, such as dual water heaters, a sliding glass door in the garage making the space flexible, along with a Moen water turn-off system for added peace of mind, 3 parking spaces in the garage and a designated spot for charging your golf cart! With its blend of superior craftsmanship, coastal elegance, & modern amenities, 607b S Topsail Drive epitomizes luxurious seaside living. Schedule your private tour today and experience the epitome of waterfront living!

607 S Topsail Dr Unit B, Surf City
414 W Wilmington Ave, Surf City
$1,325,000
5 Beds ⋅ 4 Baths ⋅ 100427796 MLS
Experience island living at its finest in this immaculate, nearly new getaway home with breathtaking water views from every room. Savor the beauty of both sunrise and sunset vistas from your inviting front and rear porches. This home offers the perfect blend of tranquility and entertainment, with a heated inground pool complemented by a custom patio for your outdoor pleasure. Located just steps away from the public beach access at the end of the street, this property is a true coastal gem. Enjoy the convenience of being within walking distance to charming shops and top-notch restaurants, making it easy to immerse yourself in the island's vibrant culture. This property isn't just a beautiful home; it's also an excellent investment opportunity with a proven rental history. The addition of spray foam insulation ensures energy efficiency, helping to reduce your power bills while keeping you comfortable year-round. Don't miss your chance to own this remarkable island oasis - where every day feels like a vacation. Schedule a viewing today to discover your new coastal paradise.

414 W Wilmington Ave, Surf City
W Wilmington Ave, Surf City
$1,300,000
5 Beds ⋅ 4 Baths ⋅ 100610784 MLS
Build your coastal dream home in Topsail Cove, a marsh-front neighborhood in Surf City, NC, offering stunning sunset views and beach access just a few streets away. This proposed new construction concept is offered by local builder New Life Building Co., with pricing inclusive of both the lot and construction costs. The proposed 3,250-square-foot coastal home features 5 bedrooms, 4 bathrooms, and a reverse floor plan designed to make the most of the surrounding marsh views. Buyers can explore this plan or work with New Life Builders to create a custom home tailored to their needs. Contact us to learn more or schedule a builder consultation. The marsh-front lot is also available for purchase separately, MLS #100576009. This is a proposed custom build by New Life Building Co.. Pricing is based on 3,250 heated square feet.

W Wilmington Ave, Surf City
105 High Point Ave Unit A & B, Surf City
$816,000
2 Beds ⋅ 2 Baths ⋅ 100576050 MLS
Perfectly positioned in the heart of Surf City's most coveted downtown stretch, known as the ''S-Curve'' and often considered Surf City's own ''Million Dollar Mile'', this extraordinary property offers a rare opportunity to own TWO beautifully appointed coastal cottages on one premier homesite, just 80 steps from beach access. Here, the lifestyle is unmatched. Park the car and leave it behind...you can truly walk everywhere! From local restaurants, shopping, coffee shops, nightlife, and entertainment to the pristine sandy beaches of Surf City, everything you need is just moments away. This is coastal living at its absolute finest! Thoughtfully designed with luxury, comfort, and durability in mind, both cottages showcase exceptional craftsmanship and upscale finishes throughout. The exterior features include durable Hardie Board siding, Trex decking, custom landscaping with cement pavers and mature palm trees, vented storm doors, recessed soffit lighting, gutters, digital locks, vapor barrier protection, and a 50-amp service ready for your future EV charger installation. Each cottage also enjoys its own private outdoor shower and water softener system, perfect for effortless beach living. The main cottage exudes elevated coastal elegance with custom wainscoting, shiplap accents, recessed lighting, top-down bottom-up custom blinds, COREtec Lanier Hickory luxury vinyl plank flooring, and moisture-resistant Gold Bond drywall. Comfort is maximized with a 3-zone Mitsubishi mini-split HVAC system and a Stiebel Eltron tankless water heater. The kitchen was designed to impress, featuring quartz countertops, a tile backsplash, soft-close cabinetry, an ultra-deep single basin sink, stainless steel appliances, a premium Hauslane range hood, and a stunning butler's pantry complete with custom built-ins. Additional upgrades continue throughout the home, including custom closet shelving, updated bathrooms with tile flooring, ceiling-height tiled showers, pocket doors, and beautifully curated finishes at every turn. A ''Clearly Filtered'' 3-stage water filtration system further enhances the home's luxury appeal. The charming second cottage, affectionately known as the ''Itty Bitty'', offers its own stylish and private retreat with shiplap walls, recessed lighting, luxury vinyl plank flooring, new windows, added closet space, Mitsubishi mini-split HVAC, Rinnai tankless water heater, quartz countertops, stainless steel range hood, and a beautiful exterior blend of shake accents and Hardie Board siding. Whether you're seeking a luxury coastal residence, multigenerational retreat, income-producing opportunity, owner-occupied investment, or the ultimate beach getaway, this one-of-a-kind Surf City property delivers an unparalleled combination of location, craftsmanship, and lifestyle that is rarely available.

105 High Point Ave Unit A & B, Surf City
410 W Wilmington Ave, Surf City
$800,000
4 Beds ⋅ 3 Baths ⋅ 100416143 MLS
This newly remodeled and furnished Topsail Island beach home is the perfect primary residence, second home, or income producing property. The private community of Topsail Cove is perfect for vacationers or full time homeowners alike. A quant 20 lots tucked away from the hustle of Surf City yet still in walking distance to all that Surf City on island has to offer. Located in the heart of the island, close to the beach, shopping, dining, and entertainment. A public beach access, just two blocks away with a shower, make it an easy stroll to all the beach fun too! With 4 bedrooms and 3 baths, and captivating reverse floor plan, this retreat offers the ultimate beachside living experience. Relax and enjoy expansive sunrise ocean views and sunset Intracoastal Waterway views from the double decks of all bedrooms and living space. The open concept layout invites natural light to dance through the rooms creating a warm and inviting ambiance perfect for hosting unforgettable gatherings or a nice evening relaxing by yourself after a day of seaside adventures. The list of updates to this spectacular beach house include new: windows, 2 HVACs, hot water tank, remodeled kitchen with all new appliances, new furnishings, LVP floors perfect for beach life, extended concrete pad, outdoor inclosed shower, and a beautiful patio perfect for entertaining. This is an amazing opportunity for you to make coastal living yours with your very own turn key beach house. Time to enjoy the island life!

410 W Wilmington Ave, Surf City
423 N New River Dr, Surf City
$765,000
4 Beds ⋅ 3 Baths ⋅ 100442951 MLS
Stunning Surf City prime location island retreat with some of the best sunset views! Situated in an extremely desirable location within walking distance to dining, shopping, Surf City bridge, beach access and so much more! Not only is the location amazing, the updates throughout will leave you breathless. Enjoy all the perks of beach living starting with the main level featuring a one car garage, with epoxy floors, for all your beach storage needs (golf cart does not convey), fenced back yard, outdoor shower, grilling area, covered patio sitting area and the recently serviced canopy lift that services all three levels, for ease accessing the breathtaking views on the upper levels. Step into the inviting foyer with bead board trim details, ceramic tile flooring, hardwood flooring on the stairs lead you to the second level with hardwood floors where the primary suite, two bedrooms, additional full bath and laundry room are located. Each bedroom features access to the second level covered porch, complete with porch swings to take in the amazing views of the sound/marsh area. Stroll up to the third level of the home featuring an open layout with gorgeous kitchen complete with granite, ceramic tile backsplash, under cabinet lighting, an abundance of cabinet space, stainless appliances & center kitchen island. This living area also has another full bathroom and bedroom with access to the third level porch. Family room is bright and offers great views from the screened porch or the open porch with stairs to access all three levels. Also enjoy the ocean view balcony off the dining area. This well maintained home is complete with plantation shutters, tile flooring in baths and laundry, hardwood flooring, shiplap trim, ceiling fans, low maintenance siding & so much more! A MUST see!

423 N New River Dr, Surf City
113 Anchor Dr Unit A, Surf City
$759,900
5 Beds ⋅ 4 Baths ⋅ 100560974 MLS
Escape to your own slice of coastal perfection in this exquisite 5-bedroom, 4-bathroom townhouse nestled on a quiet peninsula in the heart of Surf City! Picture yourself waking to the soothing rhythm of the water, where sweeping views embrace the serene Surf City Sound, the graceful high-rise bridge, and those legendary, jaw-dropping sunsets that transform the sky into a masterpiece of pink, orange, and gold. From the third-floor master suite, partial ocean views draw the Atlantic's boundless horizon right to your doorstep, turning every sunrise into a moment of pure magic. This light-filled, modern sanctuary welcomes you with luxurious LVP flooring and tile throughout--no carpet anywhere--for effortless, barefoot coastal living and timeless style. Step onto the generous front and back decks to sip your morning coffee with the salty breeze or linger at dusk with loved ones, enveloped in peaceful seclusion yet perfectly poised for island adventures. The thoughtful three-level design maximizes comfort, privacy, and joy for family and friends. The first floor delights with a king size master bedroom with ensuite bathroom, a fun bunk room and a second bunk room featuring a twin-over-double bed--ideal for kids or guests to create lasting memories. Ascend to the second level for an open, airy great room where living, dining, and a chef's kitchen blend seamlessly: gleaming stainless steel appliances and sleek granite countertops make every meal a pleasure, whether casual family dinners or festive gatherings. A secluded king owner suite and full bath here offer a retreat-like escape. The top floor crowns it all with your private king master oasis, complete with its own luxurious bath and those captivating ocean glimpses that make mornings feel extraordinary. In total, three king owner suites--one on each floor--ensure everyone enjoys supreme comfort and privacy. Outside, the magic continues: a huge outdoor shower awaits to rinse off the sand after beach days, paired with a charming picnic area perfect for al fresco meals or lazy afternoons. A large storage room brims with beach supplies--chairs, umbrellas, toys, and more--ready for instant fun. Abundant parking accommodates plenty of friends and family, so gatherings feel effortless and welcoming. The community also features a dock and kayak launch just steps from the home. Fully furnished with tasteful, high-quality pieces that convey with the sale, this turnkey treasure is primed for immediate enjoyment--as your cherished primary beach home, a serene family escape, or a wise investment in one of North Carolina's most beloved coastal havens with several 2026 dates already booked. Tucked in a wonderfully quiet peninsula community, it's just 3 blocks to the nearest beach access for effortless sun-soaked days and less than a mile from the vibrant soul of Surf City: boutique shops, fresh seafood spots, the iconic pier, and that irresistible laid-back island vibe. Here, the world slows down, worries dissolve into the waves, and every day feels like a vacation--salty air on your skin, laughter echoing across the decks, sunsets stealing your breath. This isn't merely a home; it's the coastal dream you've always held in your heart, alive and waiting for you to claim it. Fall in love anew with every visit, every view, every sunset. Don't let this rare gem pass you by--schedule your private showing today and step into the Topsail Island life you've been dreaming of!

113 Anchor Dr Unit A, Surf City
421 N New River Dr Unit A, Surf City
$700,000
3 Beds ⋅ 3 Baths ⋅ 100596945 MLS
Perfectly positioned in the heart of Surf City, this 3-bedroom, 3-bath townhome offers 1,748 square feet of thoughtfully designed coastal living, shaped by water views, inviting outdoor spaces, and a location that captures the best of island life. Just a short walk from the beach and surrounded by many of Surf City's favorite restaurants, shops, and attractions, the property also includes a separate sound-front parcel--an increasingly unique opportunity in the heart of the island. Designed with a reverse floor plan, the home's upper level brings the kitchen, dining, and living spaces together beneath vaulted ceilings, creating an open and airy setting for everyday living and entertaining. Rich wood flooring brings warmth and character to the main living spaces, while abundant windows fill the home with natural light and glimpses of the surrounding coastal landscape. At the center of it all, the kitchen features granite countertops, a nine-foot eat-in bar, stainless steel appliances, and pantry storage, providing plenty of room for everything from casual mornings to evenings spent entertaining family and friends. The adjoining dining area flows naturally into the spacious living room, where vaulted ceilings and walls of windows reinforce the home's bright, relaxed coastal atmosphere. Beyond the living room, glass doors open to a covered deck where surrounding water views and the Surf City skyline become the backdrop for morning coffee, afternoon conversations, and evenings spent outside. A guest bedroom with ocean views and an adjacent full bath completes the upper level. The first floor shifts the focus from gathering to retreat, with two private bedroom suites thoughtfully separated from the home's main living spaces. The spacious primary suite stands out with rich wood floors and glass doors opening onto a private covered deck overlooking the marsh and surrounding water. Dual closets provide generous storage, while the adjoining en suite features a double vanity and walk-in shower. A second guest suite offers its own private bath, creating a comfortable space for family and visitors, with a conveniently located laundry closet nearby. At ground level, a tiled wet-weather entry provides a practical arrival point from the beach, carport, and backyard, with beadboard detailing adding a touch of coastal character. Outside, the fenced backyard creates a surprisingly private patch of green beneath the coastal canopy, while an enclosed hot-and-cold shower is waiting after sandy days at the beach. Perhaps most compelling is the lifestyle this location makes possible. From mornings on the beach to evenings overlooking the water, 421 A N New River Drive places both within easy reach. Walk to the sand, restaurants, shops, and entertainment that define Surf City, then return home to covered decks, marsh and water views, and your own outdoor spaces to unwind. Combined with the sound-front parcel conveying with the property and a floor plan equally suited for a primary residence, second home, or coastal retreat, this is a rare opportunity to experience Surf City from both sides of the island.

421 N New River Dr Unit A, Surf City
W Wilmington Ave, Surf City
$350,000
100576009 MLS
This stunning marshfront homesite offers sweeping water views and an unbeatable location in the heart of Surf City, nestled within the charming Topsail Cove community. Design and build your dream home, where evenings are defined by colorful sunsets enjoyed right from your back deck. With beach access a short distance away, you'll enjoy the perfect balance of sound side serenity and convenient beach access. Restaurants, shops, and local favorites are all just minutes from your doorstep. This is your chance to own a piece of Topsail Island and bring your vision to life by the water.

W Wilmington Ave, Surf City
Lot 10 Wilmington Ave., Surf City
$275,000
100412358 MLS
This beautiful, marsh/water front with amazing water views lot is located in the heart of Surf City in the lovely community of Topsail Cove. Build your dream home and watch the breathtaking sunsets over the water from your back deck. Ocean access is only footsteps away located directly at the end of the street. Bike ride to local restaurants and shopping. Potential to build your own dock ! (Subject to CAMA & authority approval) Your beautiful piece of Topsail Island Paradise is waiting for your footprint in the sand.

Lot 10 Wilmington Ave., Surf City
Start Your Search

Copyright 2026 NCRMLS. All rights reserved. North Carolina Regional Multiple Listing Service, (NCRMLS), provides content displayed here (“provided content”) on an “as is” basis and makes no representations or warranties regarding the provided content, including, but not limited to those of non-infringement, timeliness, accuracy, or completeness. Individuals and companies using information presented are responsible for verification and validation of information they utilize and present to their customers and clients. NCRMLS will not be liable for any damage or loss resulting from use of the provided content or the products available through Portals, IDX, VOW, and/or Syndication. Recipients of this information shall not resell, redistribute, reproduce, modify, or otherwise copy any portion thereof without the expressed written consent of NCRMLS.

How much is your home worth?

Get instant property value now!